One More Day!

Tomorrow is the big day!! They start digging our plot and are preparing our lot for the foundation and basement footers! At the end of this week our basement and garage floor should be set. Greg and I are so excited We can't contain ourselves.

A little worried that our documents for financing are still in underwriting. We should have the final approval paperwork this week. I guess it's a good sign they are digging without it! LOL Advice for any mortgage company prepping for a new purchase--

*Be prepared to bring your whole life story to the table! Also, be prepared to be asked for the same thing you already sent 5 times. There are so many hoops you have to jump through to just get to the starting ground. Don't stress just know there is light at the end of the tunnel!

*Shop rates! Currently Union savings bank in Kettering has given us the best rate! They are paying our closing costs and out rate so far is 3.25!!! We can't lock until we are 70 days out. So fingers crossed the rate only drops more. Just make sure to shop. It doesn't hurt your credit to shop mortgage rates like it does to shop for a car.

At this time we are going through the banking process with 2 mortgages. It basically will come down to which has the best offer either NVR or US Savings. Which at this time it's UNion Savings. NVR (Ryan homes inside mortgage company) is trying to beat it.

Yesterday, I stopped by Lowes with the kids to look at paint and blind options. I thought it would be a fun trip. But I ended up getting overwhelmed!!! Too much to consider and it cost $ LOL. Thank goodness we are living with family to save up for these expenses.

*Pictures*
Below are some color ideas I have picked for our actual home.



The remaining photos are some of my Pinterest ideas....I hope you all have a wonderful week! Happy Sunday! God Bless.